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Liability car insurance covers damages to another person resulting from an accident you cause. One of the most basic types of auto insurance coverage, liability is also one of the few coverage options that's required in every state—though minimum limits of coverage vary, depending on where you live.
Property damage liability coverage helps pay for the damage that you cause to another vehicle, or other types of property. If you are found responsible for a collision, property damage liability coverage would help cover damages you cause.
Uninsured Motorist insurance (UM) is coverage that protects you if you're involved in a collision with a driver who does not have liability insurance, or does not have enough liability insurance to pay for your damages.
Underinsured Motorist insurance (UIM) pays for injuries, such as medical expenses, that result from an accident caused by a driver who has too little insurance to cover all of the injuries.
Covered UM and UIM expenses for you and your passengers include:
If your car is damaged or destroyed in an accident, collision insurance coverage will typically pay to fix or replace it. Types of covered accidents include hitting another car or hitting a stationary object, like a bridge or a tree. Collision insurance can also help if someone or something else hits your car while it's parked.
Comprehensive coverage is a catch-all for incidents that aren’t considered “accidents” like hail, flooding, or vandalism damage. Comprehensive coverage may help protect your car against damages that are not related to a collision, including:
An automobile accident can damage far more than your car. Medical bills, lost income, and other expenses add up quickly and cause significant financial hardship. Personal injury protection, also known as PIP insurance, helps reimburse you for such costs, and can help protect your friends and family after a covered accident.
When you're in a car accident that seriously damages your vehicle, your vehicle may be towed to a body shop and out of commission for significant time, and you are stuck wondering how you are going to get around during its repair.
What does rental reimbursement cover?
Rental reimbursement coverage will help you pay for a rental car—but only if you need the rental car because of a covered loss. For example, if your car is damaged in an accident that's covered by your insurance policy, your rental reimbursement coverage will typically help pay for the rental car.
I don't know why this woman is trying this hard to make me mad when I DON'T EVEN KNOW HER.
In photos submitted to WPVI in Philadelphia, a woman is seen not letting pesky ol' driving get in the way of not driving. Instead of even pretending to drive like a pretend-responsible human being, she has her feet up on the steering wheel, eyes - and hands! - focused entirely on the non-task of screwing around on her phone. Somebody please arrest her.
Motor vehicle accidents are an hourly occurrence in Des Moines, Ames, and across Polk County. Many crashes are completely avoidable, caused by drunk drivers or distracted drivers. Whatever the cause, car accidents are a major safety and economic issue for the communities in this vast region.
At one point or another, everyone is a pedestrian. As the expense of driving and insuring a vehicle rise, more and more people choose to walk to their destinations. As the number of pedestrians increases, so do the number of pedestrian accidents. To see where the Des Moines and Ames regions rank in terms of pedestrian collisions nationally, please go to this National Highway Traffic Safety Administration report.